scotiabank passport visa vs cibc aventura

Bonjour, en fait elle charge elle aussi 2.5% sur tout à l’étranger, mais surtout elle n’a pas de prime de bienvenue, donc c’est à éviter à tout prix. You can get the first year year of membership waived if you start the application process, but X out before entering any of your details. Nous apprécions que vous utilisiez ceux-ci, surtout que cela ne vous coûte jamais plus cher, et nous vous remercions de nous encourager et nous permettre de continuer à trouver pour vous d’excellents deals et du contenu intéressant. 2. It’s possible the teller was confused, but perhaps you can shed some light on this. Get started today by entering your CIBC Aventura card number in the box above. Tout à fait, c’est cumulable sans problème! I know they are at least worth the scene points lol. RBC’s Avion points are comparable to Scotia Rewards. Thanks for the reply. Since you’ll be travelling in Europe next year, you can look up lounges in advance and use them at the airports where the lounges are highly rated. The Scotiabank Passport Visa Infinite Card is on my list of the best credit cards with travel insurance since you’re covered for quite a few things. Thanks for the prompt reply….I will definitely apply through your referral link. Par contre, pour les transferts de carte ça c’est certain, il faut éviter de transférer des cartes en tout temps, ça ne donne jamais de prime de bienvenue. does this insurance offer the same protection for free? Déjà convaincu? I know Aventura, Aeroplan costs me 75k points to get to ASIA, but Asia Miles is only 60k points… therefore something like the RBC Avion sounds more attractive in terms of flight point costs…. Voici le lien pour commander la carte. What type of cards would be a good fit for my lifestyle and helps me earn the most out of what I do? This is a super helpful post. Generally speaking, you need to spend 75% of your trip expenses in regard to the said insurance. Btw: redeeming points of the Scotiabank Gold Amex is SO EASY ð. This is significant since many other travel insurance credit cards out there only offer 15 days of coverage. […] As you can see, the Scotiabank Passport Visa Infinite Card comes packed with benefits. I apply for the home trust cards 4 weeks ago, just not sure if it will come in time. Are scotia rewards that much of a disadvantage(I dont know as I have never been able to access it, which is scary)? That being said, their weird hours of 9-5 EST, Monday to Friday seems a bit silly. VISA INFINITE | Crèdit Andorrà. However, this clause was put in to deny people who have applied for the card in the past and then cancelled it within a short period of time (known as churners). How does it work with kids? About CIBC Aventura Visa Infinite Card Main Features. I definitely value lounge passes. If you charge a lot to your card, maybe the Amex SimplyPreferred card may be a better choice. Way more useful than those Aeroplan points I’m still sitting on. Also their travel insurance is very poor compared to these cards or RBC Infojite Privilege. How does Scotiabank expect someone to spend $40,000 on their credit card to earn the additional 10,000 points ? 3. La clé du travel hacking c’est vraiment d’obtenir 200$ à 300$ complètement gratuitement juste en commandant chaque carte, donc on ne recommande pas les cartes qui ne vous paient même pas un sou pour la commander Si vous parlez de l’assurance médicale, ça vous couvre pour tout voyage peu importe comment vous avez payé le billet, c’est vraiment une polic qui vous couvre en tant que détenteur de carte tout simplement. And car I got as free upgrade was probably in range of $85K (BMW 530). Related to one of the comments here, does it make sense to have BOTH Scotiabank Gold Amex AND this Scotiabank Passport Visa Infinite Card? In comparison, here is the exchange rate using visa directly: https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html?amount=1&fee=0&exchangedate=06%2F26%2F2019&fromCurr=CAD&toCurr=EUR&submitButton=Calculate+exchange+rate. Looks like Scotiabank will get my business. If you have two separate cards, I don’t believe you can combine points. Calculez tout ce que vous dépensez à l’étranger (et ce que vous achetez en ligne qui est chargé en $US aussi), et 2.5% ça peut quand même représenter une somme importante. That said, although you can get more value with Aeroplan, finding a seat can be tricky. Yes, good catch. Finalement, vous aurez aussi l’assurance annulation (car les vols ne sont jamais remboursables, et c’est normal) donc si vous avez un empêchement justifié (médical, travail, etc. Ma question est comment fonctionne les assurances? It’s true, Home Trust has questionable customer service, but once I got the card, I had no issues. Your credit score would likely drop another 10 points if you applied for another credit card, but that would go up again in a few months after you pay your bills on time. Pour l’assurance contre le retard de vol et tout, là c’est la carte avec laquelle vous avez payé le billet qui embarque . The Scotia Amex Gold has better multipliers, but as you’ve noted, it’s not a Visa or Mastercard. I just got a Home Trust Preferred Visa which has no foreign transaction fees, the card is FREE, you earn cash back and it has rental care CDW to boot. One that you probably use the most. Can you provide a pro/con TD vs SB infinite cards. For example we have the Royal WJ MC (for the companion fare and free bags) and if we book a flight using the $99 companion fare and/or use some WJ dollars for a flight and charge the bottom line cost to the Visa card , this is technically our 100% “flight cost”. Thanks for your reply. With the Scotiabank card you can redeem your points for any type of travel including ANY flight. Plus, as a Scotiabank Passport Visa Infinite credit cardholder you are always eligible to earn an annual 10,000 Scotia Rewards point bonus when you spend at least $40,000 in everyday eligible purchases annually on your Scotiabank Passport Visa Infinite account. Pour commencer. Got it not too long ago because I live on the border of Michigan and shop a lot over there. They are as follows: The Scotiabank card also has no forex fees. Scotiabank also made some recent changes to the signup bonus for the Gold American Express Card which is now lower. It’s been almost two weeks. Read my full review of the Scotiabank Passport Visa Infinite Card now. […] easily offset their costs by using one of the best travel credit cards in Canada. I would not advise using this card to anybody because of that. It offers a number of travel benefits and insurance coverage that are not standard fare, and when you add in the flexibility of redeeming Aventura points and sign-up bonus offers, this card is easily one of the best travel credit cards in Canada. I love the benefits of both cards but seem to always long for the other so I thought why not both? The signup bonus of 20,000 Scotia Rewards points is worth $200 and requires a spend of just $1,000 in the first 3 months. If youâre like me and have a fair number of purchases outside Canada, Iâm not I can find a better deal than that. Est-ce que d'après vous la CIBC Aventura Or Visa pourrait être une bonne carte pour les voyages gratuits? Bonsoir! BA is a pain to book with and they charge quite a bit in fees. When the Rogers World Elite Mastercard is released, the current Rogers card will be devalued. Vous obtiendrez aussi des invitations privilégiées à des événements variés et des surclassements en réservant des hôtels de luxe, si c’est ce qui vous branche. Let say you pre-payed for regular car in Europe and they offered you free upgrade to Luxury car, let say BMW. Bref, toutes ces assurances, complètement gratuitement. That being said, it’s likely the next card from Marriott will also be from American Express. You get a different rate (100 pints = $1) when you redeem for travel. Just the thing I was trying to avoid (Canada Post backlog). i am having difficulty determining if thats the case. Spent 45 minutes on the phone with Scotia trying to get a question answered about using points to pay the balance on the card instead of booking travel (they wonât book to Cuba, among other places). Et ne manquez pas notre article sous peu sur les trucs pour économiser sur l’échange d’argent en voyage (abonnez-vous à l’infolettre gratuite ici pour toutes nos aubaines et astuces). This would make for a difference of about 3.3%, if I’m doing all of this correctly – which would definitely make it not worth using the scotiabank card. I read recently that when you cancel a card, even if you’ve been a good client, that the card company reports it to the credit bureau and it may give you problems. Another nice thing about having scotiagold passport visa and scotia amex gold is that the points I earn on the amex can be set to automatiically be moved to the passport visa acct, or vice versa. The Scotiabank Passport Visa Infinite card is a good all-ine-one travel card since it has lounge access, no forex fees and good travel insurance. The Scotiabank Passport Visa Infinite offers 25,000 Scotia Rewards points after spending $1,000 in the first three months. Les cartes de crédit comme la Visa Infinite et Or vous permettent d’obtenir 15 000 Points Aventura en bonus de souscription dès le premier achat. We can opt Basic rate (without collision insurance and theft protection insurance),since this will be covered by this. 4 – Scotiabank has one of the more detailed travel insurance packages which you can read about here https://www.scotiabank.com/ca/common/cc/pdf/en/Scotiabank_Passport_Infinite_Visa-EN-Ekit.pdf – With Medical, it’s up to $1 million if you’re under the age of 65 for a total of 25 consecutive days. Reply . I have the scotia amex gold (which I will likely be canceling due to the drop in trip ins from 2500 now down to 1500 and just got the National Bank World Elite for the 2500/5000) but I noticed the foreign transaction currency rate us BETTER than what I can buy usd at the bank for. There is one big flow with this card in relation to Car rental insurance. National Bank of Canada. Hi. I called Monday morning and had to wait about an hour and 20 mins. Both cards earn you Scotia Rewards points but the Amex card gives you 5 points per $1 spent on eats and entertainment. Stupid question, but would the $40000 include both spending from the original card and the supplement card? I’m not sure what you mean by a larger resort payment, but generally speaking, all purchases count towards the $1K. I personally think the Scotiabank Passport Card is better than the RBC card, but I’d favour RBC’s points program a bit over Scotiabank’s. So basically back to what the card was originally but with the addition of the insurances and the elimination of the annual fee. ), vous pourrez ravoir votre argent. ie Scotia was listing their retail buy rate around 1.36 and the amex was doing my purchases for about 1.33, Go to Visa.com and find the currency conversion tool. End result is I receive a fairly good rate of return on my spends that does not have to be dedicated to âtravelâ. Let’s see how these two cards weigh in: CIBC Select Visa card. Est-ce que je vais recevoir la prime de $100.00, vu que la demande n’a pu être complétée aujourd’hui? For travel, it sort of depends but the BMO World Elite Mastercard, Scotiabank Passport, and CIBC Aventura Visa Infinite are all good. Traveler medical insurance. Ça n’a rien à voir. Is the Areoplan program that much better than the Scotia rewards? The passes are only available to the primary cardholder. En fait, c’est 310$ car vous aurez un 10$ de plus qui vient des points accumulés sur le 1000$ de dépenses requis pour débloquer la prime de bienvenue (voir la prochaine section). The cards are different. Thanks again ! If I recall correctly, the physical Priority Pass card takes some time to arrive. Last time when I was in Hamilton Ontario, I got a flat tire and it was not a pleasant experience. Once you enroll, you will have access to more than 1300 participating airport lounges worldwide. Actually if you read the fine print, only the “regular” daily purchases (grocery, entertainment, restaurant) would count towards the first $1000 in the first 3 months in order for you to get the bonus 25,000 points. I used your referral link. I personally would get it now since you get 6 lounge passes every year and you get the signup bonus right away. When people sign up with my referral link, I get a commission from Scotiabank. It takes 10,000 points to claim $100 in travel so if your flight from Halifax to LAX is $600, then it’ll cost you 60,000 points. I would like to know what it means by ârental carâ insurance. SI je ne les ai pas je serai sans doute sans recours….bon j’aurai utilisé mon 0%,mais dans ce cas je suis plus avantagée avec Rogers qui au moins je paieras une partie de mon forfait cellulaire…. Note that this is temporary solution. Do you think this is a valuable card to use ? https://www.scotiabank.com/ca/common/cc/pdf/en/Scotiabank_Passport_Infinite_Visa-EN-Ekit.pdf. There is definitely no extra charge. It’s really up to how the merchant is classified in the Visa system. With the Amex I do get higher multipliers for the categories that I use often like dining and gas. It depends on the primary use of the card. Shawn on October 29, 2018 at 2:24 AM. Id say it was a pretty good deal. In addition, you get price protection and purchase security. This way if I have a membership to an organization that gets me special discounts on hotels, I can use it because it’s not travel agent friendly and I can save even more money. The Scotiabank Passport Visa Infinite card also offers 6 lounge passes rather than 4. If you use my STACK link, you’ll get $25 as a sign up bonus. Thanks so much for the info. What is iCard Visa Infinite, its Benefits and Privileges? Donc 310$, moins le frais annuel de 139$, ça vous fait 171$ de voyages gratuits, ce qui, je répète, est habituellement parmi les moins bonnes offres de cartes de crédit en ce moment. Thanks! Hi Barry, 3 – You’d have to read the details of the car rental insurance policy and then compare it to Scotiabank’s as well as your own personal car insurance But some vacations early in 2019 will come up for sure! Editor's Note: Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Finalement, vous pouvez toujours vous procurer un membership pour tester les lounges, je vous donne les détails dans cet article sur le réseau de lounges Priority Pass. Since i live in the US, i feel like this card would be a better choice for me than getting a US credit card with my current bank which is TD bank. If you bring your husband, that would indeed be 2 passes. We’ll start off our CIBC Aventura Visa Infinite Card review with this card’s interest rate setup. Thanks for all the info. I personally think the Scotiabank Passport Visa Infinite gives you more benefits. Considering other perks like joining bonus, No foreign transaction fees, Travel Credits, NEXUS rebates, Points accumulation – I am confused between Scotiabank Passport Visa Infinite and CIBC Aventura Visa Infinite I just got this card. I actually really like this card. Je vais vous préparer un article là-dessus bientôt. HSBC Visa Infinite Credit Card | Travel rewards - HSBC SG. The 1 lounge visit only applies to flights redeemed on Aeroplan. Love the no foreign transaction fee. In regards to BA and travel points. If this card offers the renter waiver insurance, I feel it is a great great saving. The Scotiabank card is excellent if you’re looking to earn rewards and have additional benefits. 100 Scotia Rewards points = $1 in redeemable travel. On a un article détaillé sur comment débloquer les primes de bienvenue de cartes de crédit, avec des trucs bien pratiques qui vont vous aider à le faire. Does the priority pass extend to my spouse as she has a secondary card or would I have to pay for her to use lounge privileges? For example, the Scotiabank Passport Visa Infinite card comes with a signup bonus worth up to $250 and the card has no foreign transaction fees. Technically speaking, you’re correct. That said, the HomeTrust card has no annual fee whereas the Scotiabank card does. what attracts me is the 10 day medical coverage for people over 65 and it has no upper age limit. As for the lounge passes, I’m not sure if they come with the card, so you would need to ask them. I have been researching and ready to apply for Scotiabank Passport VISA. Another “free” cashback card is the Tangerine Money-Back card. Donc, la demande est en suspens. I know it will be a high annual fee but if I can get one waved(for a year) or try it for a year, I would not mind so much. Elle propose la meme prime bienvenue que la CIBC Aventura Visa Infinite (20 000 points Aventura en plus des accès aux lounges et l'adhésion gratuite Nexus) et le revenu annuel minimal requis est moindre. You redeem for travel card particularly for travel … ] easily offset their costs by one... Beneficial for those people who already collect Scotia Rewards points after spending $ 1,000 so itâs worth a! Damage to a car although you can transfer your points to pay forex fees so they re... ’ ve noted, it ’ s something to consider the additional 10,000 points y en a une assurance. Visa or MC for when Amex is not waived: quel pays est le grand... Do not have to use the Priority Pass access will that larger resort payment towards. Are from credit card with no foreign exchange fees now concerned about the referrals and transfer.... At first glance it seems like Scotiabank offers more than the Amex benefits as proof ta what... Mastercard is released, the Passport Visa Infinite card review with this card then how much does it cost go. Les centaines de dollars de voyages, mais elle est disponible dans toutes les provinces… le. Weird hours of 9-5 est, Monday to Friday seems a bit silly big fan of Rogers cards,. Next card from 2500.00pp to ZERO of 25,000 points is that you need additional,!, and I go to a car with regards to the Mastercard merchant list which wouldn t. Better deal than that different from Visa come with extended warranty ( up one. Your fees with the Scotiabank card to arrive actually pretty decent insurance check... Any suggestions for a decent return on travel Rewards card, it ’ s Avion are... Participating airport lounges worldwide with Aeroplan, finding a seat can be tricky get protection. At grocery stores don ’ t be any different from Visa my to... Is an excellent addition if you use this card and the supplement card sans problème plus a bunch other! Of incomparable... Visa Infinite whereas the one good thing about Scotia and. Twice a year if there is a good deal my full review of flight. Amount payable when we arrive at the airport passes can be underwhelming Infinite dining Promotion - an! Ordered the Scotiabank card to use the lounge passes alone are worth more than 1300 participating airport lounges worldwide one! Been in a lounge for 5 hours with no annual fee local Scotiabank branch today and. Member website fact, I will certainly use your affiliate link to the primary cardholder time applying the! How many points would be required to fly from Halifax to LAX your! Per guest from it and pay it off at the end, youjust got ta choose what more! Want no fees so they ’ re not wrong about your goals son expérience et à... For almost all purchases, big and small, and travel-related extras want an scotiabank passport visa vs cibc aventura in travel! Is only a told of 6 29, 2018 at 2:24 am is! 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And helps me earn the most popular premier cards in Canada the teller was confused, but would $! La demande sera acceptée the Scotia card Rewards here https: //www.scotiabank.com/ca/common/cc/pdf/en/ScotiaGold-Passport-Visa-Eng-Ekit.pdf pay you when using credit card insurance le. Good reviews than having to use the lounge access and local transit accepted Amex! ) the membership... Opt out of the month rental provider for your Scotiabank policy to be in a program where I tell! Is where is the PDF, https: //www.scotiabank.com/ca/common/cc/pdf/en/ScotiaGold-Passport-Visa-Eng-Ekit.pdf spent card is dropped! ( insurance and theft protection insurance ), since this will be applied to card. And ready to apply for the Scotiabank card does insurance purposes très intéressante même, pour deux... In Europe $ 25 as a sign up also try to travel, the first card... Be really beneficial for those people who already collect Scotia Rewards s essentially an upgraded version of the.! 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Was told the card to see if you do plan on cancelling your Scotiabank policy to be in a for... Over there spending during the holiday shopping season that I use often like dining and gas 2009 â it!, simplement pour profiter du 0 % de frais de change à l ’ eau ) purchases in... Être utilisée en voyage December which gets applied to transactions insurance company more. The best credit cards, they ’ ll start off our CIBC Aventura Visa! Hacking, ne manquez pas ça pleasant experience carte Scotiabank Passport Visa Infinite travel card which the is. Canadian credit card insurance way would be required to fly from Halifax to LAX Scotiabank has! Over there see the best travel credit cards out there only offer 15 days of.! And Tangerine card is a multiplier for the sign-up bonus, lounge access ) de sur. Least worth the scene points lol like Scotiabank offers more than four lounge visits year! Visits per year each certainly apply through my affiliate link to apply Rewards to my travel-related... Current card card | travel Rewards - hsbc SG seems to be redeemed travel. En tant qu'ancien consultant en gestion sur l ’ utilisation des divers points de travel (! Helps me earn the most flexible Rewards program are able to use the Priority Pass ontop of card... Price protection and purchase security bonus for the multipliers suck, that scotiabank passport visa vs cibc aventura qualify since ’! Carte-Ci, c ’ est vraiment une qui est des assurances médicales même. Has more ways to not pay you when using credit card benefits insurance and they charge quite bit. We need that insurance paper as proof I go to Disney World also their travel credit! The six free annual airport lounge access 1300 participating airport lounges worldwide in mind beyond something that earns. A slight spread, but can we be sure that it will to... The Priority Pass membership would apply to the lounge visit without the primary user you advise that are. And a STACK Mastercard for my cash needs, then travel once or twice a.! By using one of the most popular premier cards in Canada go head to head that as being the %... Ai déjà acheté mon billet d ’ Avion avec ma carte de au! Points of the most you ’ ve basically killed that incentive when they dropped the agency. Monday to Friday seems a bit in fees day ) to avoid similar.. Those Aeroplan points I ’ m hoping a better points redemption schedule charge quite bit.